Worth Privacy Policy
Effective date: October 1, 2025 | Version 1.0
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
- Social Security number and income
- Account balances and payment history
- Credit history and credit scores
- Wireless usage patterns and communication data
- Trust Score behavioral indicators
All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Worth chooses to share; and whether you can limit this sharing.
Fontalk Inc. DBA Worth
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We also employ bank-level encryption across all our banking, wireless, and credit services.
We collect your personal information, for example, when you:
- Open an account or apply for a loan
- Use your debit card or pay your bills
- Make deposits or withdrawals from your account
- Activate wireless services or use network features
Federal law gives you the right to limit only:
- Sharing for affiliates' everyday business purposes
- Affiliates from using your information to market to you
- Sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include companies under the Worth Financial Inc. umbrella, including our banking, wireless, and credit service divisions.
Companies not related by common ownership or control. They can be financial and nonfinancial companies. Worth does not share with nonaffiliates so they can market to you.
A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners include insurance companies, investment advisors, and other financial service providers.
Introduction
Fontalk Inc. DBA Worth ("Worth," "we," "us," or "our") is committed to protecting your privacy across our integrated ecosystem of banking, wireless, and credit services. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use any of our services.
Worth operates a unique integrated platform that combines:
- Banking Services: FDIC-insured deposit accounts through our partnership with Cross River Bank
- Wireless Services: Mobile telecommunications services with coverage across the US
- Credit Services: Character-based lending products powered by our Trust Score
- Trust Score: Our proprietary assessment of your financial character based on behavioral patterns
By using any Worth service, you consent to the data practices described in this policy.
Personal information
We collect personal information that you voluntarily provide when registering for our services:
- Name, email address, phone number, and mailing address
- Date of birth and Social Security Number
- Government-issued identification
- Employment and income information
Financial information
- Bank account numbers and routing numbers
- Transaction history and payment records
- Credit reports and scores from consumer reporting agencies
- Loan application and repayment information
Wireless usage data
- Call records and messaging metadata
- Data usage patterns
- Device information and network connection data
- Location data (with your consent)
Trust Score data
Our proprietary Trust Score uses behavioral data to assess your financial character:
- Payment consistency patterns
- Account management behaviors
- Service usage and engagement
- Cross-service reliability indicators
California residents (CCPA/CPRA)
California residents have specific rights regarding their personal information:
- Right to Know: Request disclosure of personal information collected
- Right to Delete: Request deletion of personal information
- Right to Correct: Request correction of inaccurate information
- Right to Opt-Out: Opt out of sale or sharing of personal information
- Right to Non-Discrimination: Not be discriminated against for exercising rights
All users
- Access and review your personal information
- Update or correct inaccurate information
- Opt out of marketing communications
- Request information about data sharing practices
We implement comprehensive security measures to protect your personal information:
- Bank-level 256-bit encryption for all data transmission
- Multi-factor authentication for account access
- Regular security audits and penetration testing
- Employee access controls and training
- Secure data centers with physical security measures
- Continuous monitoring for suspicious activity
If you have questions about this Privacy Policy or our data practices, please contact us:
Website
Mailing address
Fontalk Inc. DBA Worth
Attn: Privacy Officer
360 Furman Street #803, Brooklyn, NY 11201
Regulatory complaints
You may also file complaints with:
- Consumer Financial Protection Bureau (CFPB)
- Federal Communications Commission (FCC) for wireless services
- Your state Attorney General's office
Overview: Your privacy in our integrated platform
Worth operates the first integrated platform combining banking, wireless telecommunications, and credit services. This unique approach requires us to collect and analyze behavioral data across all services to calculate your Trust Score and provide personalized financial services. We believe transparency about our data practices builds the trust that makes our platform possible.
Key privacy principles
Transparency
Clear disclosure of what we collect and why
Purpose limitation
Data used only for stated business purposes
Data minimization
Collect only what's necessary for services
Security first
Bank-level protection across all data
User control
Tools to manage your privacy preferences
How we use your information
Core service delivery
Banking services
- • Account creation and maintenance
- • Transaction processing and fraud prevention
- • Regulatory compliance and reporting
- • Customer support and service delivery
Wireless services
- • Service activation and provisioning
- • Network access and optimization
- • Billing and payment processing
- • Technical support and troubleshooting
Credit services
- • Trust Score calculation and updates
- • Credit decisions and loan underwriting
- • Credit monitoring and reporting
- • Collection activities (if applicable)
Trust Score and character assessment
We use behavioral data from all services to calculate your Trust Score, which helps us:
- Provide better rates and terms
- Offer personalized financial products
- Reduce risk through character-based assessment
- Enable faster approval processes
- Unlock service benefits and upgrades
How we share your information
Worth does not sell your personal information to third parties for marketing purposes.
Service providers and partners
Banking partners
- • Cross River Bank (FDIC-insured banking services)
- • Payment processors and clearing houses
- • Banking infrastructure providers
Wireless partners
- • Network carriers and infrastructure providers
- • Device financing partners
- • Telecommunications service providers
Technology partners
- • Identity verification services
- • Credit monitoring services
- • Data analytics and security providers
- • Cloud infrastructure and storage providers
Regulatory and legal sharing
- Financial regulators: FDIC, CFPB, state banking agencies
- Telecommunications regulators: FCC, state public utility commissions
- Credit regulators: State lending authorities, NMLS
- Law enforcement: As required by law or court order
- Fraud prevention: Information sharing to prevent fraud across services
Data security and protection
Security measures
Worth employs bank-level security measures across all services:
Encryption
Data encrypted in transit and at rest using industry standards
Access controls
Multi-factor authentication and role-based access
Network security
Firewalls, intrusion detection, and monitoring
Physical security
Secured facilities and hardware
Regular auditing
Third-party security assessments and penetration testing
Data retention
We retain your information for different periods based on:
- Active accounts: Throughout your relationship with Worth
- Closed accounts: Up to 7 years for regulatory compliance
- Legal requirements: As mandated by banking, telecommunications, and credit laws
- Fraud prevention: As needed to maintain security and prevent fraud
Children's privacy
Worth services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children under 13. If we learn that we have collected information from a child under 13, we will delete that information immediately. Parents or guardians who believe we may have collected information from a child should contact us immediately.
Updates to this privacy policy
We may update this Privacy Policy periodically to reflect changes in our practices, services, or legal requirements. Material changes will be communicated through:
- Email notification to your registered address
- Prominent notice on our website and mobile application
- In-app notifications for significant changes
- Updated effective date on this policy
Response timeframes
- General inquiries: 5 business days
- Privacy rights requests: 30 days (may extend to 60 days for complex requests)
- Security incidents: Immediate acknowledgment, investigation within 24 hours
Regulatory complaints
If you have concerns about our privacy practices, you may also contact:
Legal framework and compliance
Applicable laws
This Privacy Policy complies with:
- Federal privacy laws: GLBA, FCRA, TCPA, CAN-SPAM
- State privacy laws: CCPA/CPRA, BIPA, and other applicable state regulations
- Industry standards: PCI DSS, SOC 2 Type II
- Regulatory guidance: CFPB, FDIC, FCC privacy requirements
Third-party privacy policies
When using integrated services, additional privacy policies may apply: Cross River Bank Privacy Notice (for banking services), carrier partner privacy policies (for wireless services), and credit bureau privacy policies (for credit monitoring). Links to applicable third-party policies are available in your account dashboard.
Worth
Turning character into capital
Banking + Wireless + Credit
For questions about this Privacy Policy or to exercise your privacy rights, contact privacy@unlockworth.com
Last Updated: October 1, 2025 | Version: 1.0